Just a little background here. I'm 28 currently and i work for a beverage company that distrubutes it across various stores. Ive been doing this for close to 5 years now. It's a lot of phsycial labor. My co workers are a hit and miss and many people call out and the sales represenitives order to much product so we have a lot of extra work to do. Just company stanards. I make 22.95 an hour now after 5 years. Full benefeits and 401k which i don't contribute too as i invest on my own. I had an interview with a third party Geico office and i got offered 21 an hour starting pay plus bonuses and potential for more raises. They have a matching 401k and they pay for only half of benefeits. Would this be a good career to pursue for experience of getting into the industry or finding other customer service jobs? I'm a little nervous but really like the idea of being an insurance agent and helping people. This office doesn't do cold calling. They only call people that haven't finished their quote or taking care of already existing customers.
TL;DR Should i switch from being a grocery stocker to a insurance agent?

How bad is it to pay off a loan early? I was a cash customer on a ~$25k purchase and the best price for a cash deal vs taking their financing was a $2000 difference. Both the salesman and the finance manager were upfront with me about being able to provide a better deal if we took their financing and asked that we made at least 9 months of payments. Sales guy was a little shady and presented us an out the door figure to me that included a non existent trade and when we sat down to finalize the deal there was an "oops we had a trade credit so now your OTD is $x". We stood up and started to walk out and ultimately they gave us the OTD price without the trade but the whole interaction left me with a bad taste in my mouth. The finance guy seemed to be a straight shooter he didn't waste much time trying to upsell me on stuff that I had no interest in.
The interest over 9 months is only a couple hundred dollars. I wasn't to keen on taking the loan and would like to just pay it off. If I do whose payday am I wrecking and how bad?
If this is relevant this was for an RV and the financing was for a ridiculous 180 months.

The global hair restoration market is anticipated to exhibit a noteworthy compound annual growth rate (CAGR) of over 15% from 2021 to 2027, having been valued at USD 4.3 billion in 2020. One of the primary drivers of this growth is the rising prevalence of androgenetic alopecia worldwide. Additionally, the increasing consumption of tobacco and alcohol is projected to further propel market expansion. According to the most recent report from the Centers for Disease Control and Prevention, approximately 14% of adults aged 18 and above reported smoking cigarettes in 2019.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=43935
Market Trends:
Technological Advancements: Over the years, there has been a remarkable evolution in the field of hair restoration technologies. Innovations such as robotic hair transplantation systems, which offer precision and efficiency in graft extraction and implantation, have revolutionized surgical procedures. Stem cell therapy and PRP treatments have also gained prominence for their potential to stimulate hair growth and improve overall hair health.
Increasing Demand for Non-Invasive Procedures: As people seek less invasive alternatives to traditional surgical methods, non-invasive procedures like PRP therapy and LLLT have become increasingly popular. These treatments offer advantages such as minimal downtime, reduced discomfort, and lower risk of complications, making them appealing options for individuals looking to address hair loss without undergoing surgery.
Rising Popularity of Hair Transplants: Hair transplant procedures have seen a surge in demand worldwide. This growth can be attributed to advancements in transplant techniques, such as follicular unit extraction (FUE) and follicular unit transplantation (FUT), which result in more natural-looking outcomes. Moreover, the increasing societal acceptance of aesthetic procedures has encouraged more people to consider hair transplants as a viable solution for hair loss.
Expanding Target Demographics: While hair restoration was traditionally associated with older individuals, there's a notable shift as younger demographics, including millennials, become increasingly interested in preventative treatments and cosmetic enhancements. Factors such as heightened social media presence and a desire for aesthetic improvement drive this trend, with younger individuals seeking to maintain or enhance their hair density at an earlier age.
Growing Awareness and Acceptance: With greater awareness about the available treatment options and a reduced stigma surrounding hair loss, more individuals are seeking professional help for their hair restoration concerns. This shift in attitude reflects a broader societal acceptance of cosmetic interventions to address aesthetic issues, contributing to the overall growth of the market.
Market Opportunities:
The hair restoration market presents several compelling opportunities for growth and innovation. With technological advancements driving the development of more effective and minimally invasive procedures, there is a significant opportunity to meet the growing demand for non-surgical solutions. Additionally, expanding target demographics, including younger individuals seeking preventative treatments and cosmetic enhancements, open avenues for market expansion. The rising acceptance of hair restoration treatments, fueled by increased awareness and reduced stigma surrounding hair loss, further contributes to market growth potential. Moreover, emerging markets offer untapped opportunities, driven by factors such as rising disposable incomes, improving healthcare infrastructure, and evolving beauty standards.
According to the recent report published by RC Market Analytics, the Global Hair Restoration Market is expected to provide sustainable growth opportunities during the forecast period from 2024 to 2030. This latest industry research study analyzes the hair restoration market by various product segments, applications, regions and countries while assessing regional performances of numerous leading market participants. The report offers a holistic view of the hair restoration industry encompassing numerous stakeholders including raw material suppliers, providers, distributors, consumers and government agencies, among others. Furthermore, the report includes detailed quantitative and qualitative analysis of the global market considering market history, product development, regional dynamics, competitive landscape, and key success factors (KSFs) in the industry.
Browse the Full Report Discretion @ https://www.researchcorridor.com/hair-restoration-services-market/
Geographically, the hair restoration market report comprises dedicated sections centering on the regional market revenue and trends. The hair restoration market has been segmented on the basis of geographic regions into North America, Europe, Asia Pacific, Latin America, and the Middle East & Africa. Hair restoration market estimates have also been provided for the historical years 2020 to 2023 along with forecast for the period from 2024 - 2030.The report includes a deep-dive analysis of key countries including the U.S., Canada, the U.K., Germany, France, Italy, China, Japan, India, Australia, Mexico, Brazil and South Africa, among others. Thereby, the report identifies unique growth opportunities across the world based on trends occurring in various developed and developing economies.
The Hair Restoration Market Segmentation:
By Procedure:

• Follicular Unit Extraction
• Follicular Unit Transplantation

By Therapy:

• Low-Level Laser Therapy (LLLT)
• Stem Cell hair restoration
• Platelet-Rich Plasma

By Region:

• North America
• Europe
• Asia Pacific
• Latin America
• Middle East & Africa

Prominent figures in the worldwide hair restoration industry include Venus Concept, Bernstein Medical, Bosley, The Harley Street Clinic, and Advanced Hair Studio. These companies are actively expanding their market reach through various strategies such as expansion initiatives, fresh investments, service innovations, and collaborative ventures. They are strategically venturing into new territories through expansions and acquisitions, aiming to leverage joint synergies to enhance their competitive edge.
To know more about this study, request a free sample report @ https://www.researchcorridor.com/request-sample/?id=43935
Key Questions Answered by Hair Restoration Market Report:

• Product popularity and adoption based on various country-level dynamics
• Regional presence and product development for leading market participants
• Market forecasts and trend analysis based on ongoing investments and economic growth in key countries
• Competitive landscape based on revenue, product offerings, years of presence, number of employees and market concentration, among others
• Various industry models such as SWOT analysis, Pestle Analysis, Porter’s Five Force model, Value Chain Analysis pertaining to Hair Restoration market
• Analysis of the key factors driving and restraining the growth of the global, regional and country-level markets from 2020-2030

About Us:RC Market Analytics is a global market research firm. Our insightful analysis is focused on developed and emerging markets. We identify trends and forecast markets with a view to aid businesses identify market opportunities to optimize strategies. Our expert’s team of analysts’ provides enterprises with strategic insights. RC Market Analytics works to help enterprises grow through strategic insights and actionable solutions. Feel free to contact us for any report customization at sales@researchcorridor.com.
Media Contact:
Company Name: RC Market Analytics Pvt. Ltd. Contact Person: Vijendra Singh Email: sales@researchcorridor.com Visit us: https://www.researchcorridor.com/

Hi,
I sold an item a few weeks ago to be shipped by Global Shipping Program and just got the email below.
Apparently they are not able to send used tobacco pipes from UK to US and are offering to liquidate items and issue full refund to buyer while letting me keep the proceeds.
Seems strange as the pipe set sold for £1099.
Has anyone come across this before? Is ot OK to go ahead and liquidate? I can't take the item back as I need the proceeds from sale for something else.
My name is (removed). I'm contacting you from eBay's Customer Service regarding the (removed) day set pipe set that was sold to your buyer (removed)
Our shipping partners at the Global Shipping Center in Lichfield notified us that this item arrived to the shipping centre however it cannot be shipped forward.
Your sale of this item through the Global Shipping Programme couldn't be shipped as it has been restricted at our hub. Our partners advised the reason for the restriction is because Pipes are not eligible to be shipped forward into the United States.
If an item arrives at our hub and is deemed restricted the usual process would be for the item to be liquidated by our shipping partners, the buyer would then be fully refunded by eBay and you would keep the funds from the sale.
Due to the value of the item we have 2 options available for you:

1. We can liquidate the item and refund your buyer from eBay and you will keep the funds from the sale.
   
2. We can return the item to you and you can arrange an alternative shipping method to post the item to your customer. Otherwise you will need to refund your buyer if they no longer want the item.
   

Please reply to this email within the next 24 hours to let us know which option you would like to proceed with.
Thank you for understanding. I look forward to your reply
Kind Regards,
eBay Customer Service

I love this job. I meet some crazies, assholes, and interesting people! Got to talk to a dude from The House of Yahweh for like 45 minutes, and was held hostage by his weird, philosophical jargon. Did door to door sales before this - and nothing compares to Car Sales. Let’s move some metal today folks!

Hi all, I privately sold a 2016 2.2 auto Ford Ranger - serviced, MOT’d, etc and within 30 days the new owner has said the head gasket randomly went whilst towing horses down the motorway and the full engine needs replacing.
1) Could there have been any indication of the issue whilst I had the car? I never noticed anything and it was serviced and MOT’d one week before sale
2) Would there not have been warning lights / indicators that something was wrong before it fully blew?
3) Would this kind of thing really require a full new engine?
4) What kind of cost for repairing are they looking at?
I feel terrible this has happened to them, but am in no financial position to foot the bill and have never encountered any issues and have maintained the car well whilst I owned it!
Any help gratefully received 🙏🏽

Hello, I am a new seller on eBay and I sell handmade jewelry. The pricing range of my jewelry start from 120 USD to 700 USD. My store has been open for 3 months now, but I am putting more effort now to get it going.
My presentation, images, description, keyword SEO are pretty good and I use the "promoted listings" method to increase the visibility of my listings and get more sales. (I set the percentage at the recommended amount)
I currently have 50 listings only, but will add more. I only have 1 sale and a positive review from the customer. I understand that due to my pricing and low sales/reviews, sales will be hard at first. But is there something else that I am missing?
How can I further improve my store to increase my sales? Due to the subreddit's rules I cannot share my store to give you a better idea of my situation.
I also sell on Etsy and get 50-100 sales a month, so I know that my product is desired and will eventually sell if I manage my eBay account correctly.

Let's start by stating:
"People don't buy products. They buy emotions"
"95% of our purchasing decisions are emotional" -Harvard Business School
The real WHY of WHY PEOPLE BUY is often hidden deep in psychology in the unconscious parts of our brains.
Marketing tools are just the tools to influence the human psyche in one way or another, with psychology in its core.
I play with behavioral science (psychology in marketing) on a daily basis, so I thought I will share 10 cognitive biases (mental shortcuts) here, so you can implement them in your business today to make a few extra bucks:

1. Risk Compensation Theory

People adjust their behavior based on perceived risk.
The less “risky” you make doing business with you, the higher your conversions.
🧠 Make it less risky

• Offer guarantees
• Outline a clear refund/return policy
• Give a lot of social proof to reduce perceived risk

​

2. Labour Illusion

People value things more when they see the work behind them.
"Effort is the universal currency of respect"
🧠 BUILD IN PUBLIC
Constantly showcasing your startup journey, its ups & downs, and the new features you added to your products or services creates the perception there's a lot of work put into your business.
Long waiting periods for service are unavoidable?
Show your process. Educate your client on the craft performed during that period.
Do you use any unusual material in your product? New, creative production process?
Educate with a few extra words
​

3. Life Event Effect

People are more likely to change their habits during a major life event
In fact, those who have undergone a major life event are 3 times more likely to switch brands
🧠How to use it?
Identify the life event most relevant to your category.
Then use ads. Facebook lets you target people when they move to a new house, end a relationship, start a new job, or start university.
Major life events shake up purchasing behavior.
​

4. Storytelling Effect

People prefer and better remember stories than facts alone
Watching, listening, hearing, or reading a story activates the same regions of the brain as those engaged when actually performing these actions in real life.
🧠 Don't show your product. Tell a story
"The most powerful person is the storyteller." - Steve Jobs
Research - Rob Walker story:

• In 2009, Rob Walker bought 200 objects from eBay for a total sum of $129.
• He then asked 200 authors to create a story for each object.
• Rob then sold those 200 objects with included stories on eBay again.
• He sold them for $8000.
• That's a 6202% increase in value.

​

5. Pratfall Effect

A simple blunder or mistake of a person can improve the attractiveness or likability of that person
The same goes for a brand.
But here's the catch...
Your brand needs to be well-perceived in the first place.
Admitting to your flaws, when your brand is perceived as not reliable, only makes things worse.
🧠Be vulnerable
• Embrace your imperfections
VW Beetle campaign in the 1950s and 60s
At that time American cars were supposed to be big, and stylish, not small and ugly. Yet the VW Beetle became a massive hit from its brilliant advertising campaigns.
The campaign addressed everything typical American consumers didn’t like about the beetle.
With headlines like:

• "Lemon",
• "One of the nice things about owning it is selling it",
• "And if you run out of gas, it’s easy to push",
• "Nobody’s perfect",
• or "Live below your means".

​

6. Foot-In-The-Door Technique

People are more likely to agree to a large request by agreeing to a small one first
Upsell whenever you can, but in a friendly, not pushy manner
🧠The easiest upsells

• Sell more of what you just offered them
• Sell something better than what you just offered them
• Sell something complimentary

​

7. Inaction Inertia Effect

When missing an offer once you are likely to miss an offer twice
When people see that you're giving big discounts frivolously every month or week, they tend to ignore them after a while.
The perceived value of your product lowers with each discount
🧠Strategize your discounts
Short-term gains are cool, but have you ever implemented a long-term pricing strategy?
• Every person is different.
Create an email sequence that will split your contacts into specific groups.
Then customize the discounts for each group
​

8. Stepping Stones

Any task you want your customers to do, needs to be broken down into smaller, attainable steps, otherwise, a person will get discouraged
🧠Viral refferal program
When creating a referral program the most important reward is the first one.
The first reward has to be both achievable and attractive to motivate people to participate.
Harry's referral program collected 100k emails within a week, using this prize scheme:

• 5 users referred - Shave cream
• 10 users - Truman Handle Blade - Razor blade
• 25 users - Winston Shave set - Premium Handle
• 50 - One year free blades

9. Decoy Effect

People change their preference between two options when presented with a third option (the decoy) that is “asymmetrically dominated”
🧠 3-tiered pricing pricing explained
• 1 price = 2 choices: to buy or not
• 2 prices = 3 choices: buy the cheaper one, the more expensive one, or not buy
• By adding the third price, a much more expensive one, now the second price (the previous expensive one) looks like a bargain
​
​

10. Default Effect

People tend to accept what we are given and stick with what we have
When a company or brand makes a particular option the default or standard option, it is more likely that people will choose that option over other options that are presented.
When we are not sure what to do and lack expertise in the area we consider the default as a form of advice and we stick to that.
🧠Make the usual no-brainer offer the default option
A large national railroad in Europe increased its annual revenue by an estimated $40 million by changing its website to automatically include seat reservations unless customers explicitly opted out.
Prior to the change, only 9% of tickets sold included reservations, but after the change, 47% of tickets sold included reservations.
---------------------------------------------------
That's it

Timestamp: https://imgur.com/a/pma-bore-guides-SaiJ7y3
I have 2 PMA Tool bore guides and a rod guide for sale. The 725-223 has never been used and the 700-6BR was used once during barrel break in. Both are in pristine condition as seen by the brand new looking O-rings.
The 700-6BR will fit any action with a bolt diameter between .695" and .700". This includes Remington 700/40X, Kelbly, Borden, Savage, Winchester, Impact, most Defiance and Zermatt (Bighorn) actions, Christensen Arms, Weatherby Varmintmaster and many more that are chambered in 6BR, 243 Win, 6mm Dasher, 6 Creedmoor and many more.
The 725-223 will fit any action with a bolt diameter between .722" and .725". This includes Terminus actions and a few other custom actions that are chambered in 223, 222, 222Mag and many wildcats based on those cartridges.
The red rod guide insert is specifically for the 6 / 6.5mm BoreTech Rods, but will fit in any of the PMA Bore Guides.
700-6BR - $45
725-223 - $45
PMA Rod Guide Insert - $10 (will only sell with a bore guide)

Looking to get my Mazda hatch tinted for the hot summer here in CA. I'm down to these 2 brands and is undecided. I got a quote of $500 for the Autobahn and $400 for the Madico. This would be for all sides and back windshield. Additional $200-250 for the front.
I would like people's opinion on Madico since I don't think I've ever heard of this brand. The purpose of my tinting would be to block UV and to reduce the heat in my car. Cali heat can be brutal during the summer. I'm looking to do 20 all around and 70 for the front.
In terms of speaking to the reps, the place that does the Autobahn tint says they computer cut their tint based on the car specs so they wouldn't have to do any cutting on the car. The Madico place has super nice customer service and they were very open and super responsive to all questions and concerns I had.
Any advice here would help. Thanks

Let's start by stating:
"People don't buy products. They buy emotions"
"95% of our purchasing decisions are emotional" -Harvard Business School
The real WHY of WHY PEOPLE BUY is often hidden deep in psychology in the unconscious parts of our brains.
Marketing tools are just the tools to influence the human psyche in one way or another, with psychology in its core.
I play with behavioral science (psychology in marketing) on a daily basis, so I thought I would share 10 cognitive biases (mental shortcuts) here, so you can implement them in your business today to make a few extra bucks:

1. Risk Compensation Theory

People adjust their behavior based on perceived risk.
The less “risky” you make doing business with you, the higher your conversions.
🧠 Make it less risky

• Offer guarantees
• Outline a clear refund/return policy
• Give a lot of social proof to reduce perceived risk

​

2. Labour Illusion

People value things more when they see the work behind them.
"Effort is the universal currency of respect"
🧠 BUILD IN PUBLIC
Constantly showcasing your startup journey, its ups & downs, and the new features you added to your products or services creates the perception there's a lot of work put into your business.
Long waiting periods for service are unavoidable?
Show your process. Educate your client on the craft performed during that period.
Do you use any unusual material in your product? New, creative production process?
Educate with a few extra words
​

3. Life Event Effect

People are more likely to change their habits during a major life event
In fact, those who have undergone a major life event are 3 times more likely to switch brands
🧠How to use it?
Identify the life event most relevant to your category.
Then use ads. Facebook lets you target people when they move to a new house, end a relationship, start a new job, or start university.
Major life events shake up purchasing behavior.
​

4. Storytelling Effect

People prefer and better remember stories than facts alone
Watching, listening, hearing, or reading a story activates the same regions of the brain as those engaged when actually performing these actions in real life.
🧠 Don't show your product. Tell a story
"The most powerful person is the storyteller." - Steve Jobs
Research - Rob Walker story:

• In 2009, Rob Walker bought 200 objects from eBay for a total sum of $129.
• He then asked 200 authors to create a story for each object.
• Rob then sold those 200 objects with included stories on eBay again.
• He sold them for $8000.
• That's a 6202% increase in value.

​

5. Pratfall Effect

A simple blunder or mistake of a person can improve the attractiveness or likability of that person
The same goes for a brand.
But here's the catch...
Your brand needs to be well-perceived in the first place.
Admitting to your flaws, when your brand is perceived as not reliable, only makes things worse.
🧠Be vulnerable
• Embrace your imperfections
VW Beetle campaign in the 1950s and 60s
At that time American cars were supposed to be big, and stylish, not small and ugly. Yet the VW Beetle became a massive hit from its brilliant advertising campaigns.
The campaign addressed everything typical American consumers didn’t like about the beetle.
With headlines like:

• "Lemon",
• "One of the nice things about owning it is selling it",
• "And if you run out of gas, it’s easy to push",
• "Nobody’s perfect",
• or "Live below your means".

​

6. Foot-In-The-Door Technique

People are more likely to agree to a large request by agreeing to a small one first
Upsell whenever you can, but in a friendly, not pushy manner
🧠The easiest upsells

• Sell more of what you just offered them
• Sell something better than what you just offered them
• Sell something complimentary

​

7. Inaction Inertia Effect

When missing an offer once you are likely to miss an offer twice
When people see that you're giving big discounts frivolously every month or week, they tend to ignore them after a while.
The perceived value of your product lowers with each discount
🧠Strategize your discounts
Short-term gains are cool, but have you ever implemented a long-term pricing strategy?
• Every person is different.
Create an email sequence that will split your contacts into specific groups.
Then customize the discounts for each group
​

8. Stepping Stones

Any task you want your customers to do, needs to be broken down into smaller, attainable steps, otherwise, a person will get discouraged
🧠Viral refferal program
When creating a referral program the most important reward is the first one.
The first reward has to be both achievable and attractive to motivate people to participate.
Harry's referral program collected 100k emails within a week, using this prize scheme:

• 5 users referred - Shave cream
• 10 users - Truman Handle Blade - Razor blade
• 25 users - Winston Shave set - Premium Handle
• 50 - One year free blades

9. Decoy Effect

People change their preference between two options when presented with a third option (the decoy) that is “asymmetrically dominated”
🧠 3-tiered pricing pricing explained
• 1 price = 2 choices: to buy or not
• 2 prices = 3 choices: buy the cheaper one, the more expensive one, or not buy
• By adding the third price, a much more expensive one, now the second price (the previous expensive one) looks like a bargain
​
​

10. Default Effect

People tend to accept what we are given and stick with what we have
When a company or brand makes a particular option the default or standard option, it is more likely that people will choose that option over other options that are presented.
When we are not sure what to do and lack expertise in the area we consider the default as a form of advice and we stick to that.
🧠Make the usual no-brainer offer the default option
A large national railroad in Europe increased its annual revenue by an estimated $40 million by changing its website to automatically include seat reservations unless customers explicitly opted out.
Prior to the change, only 9% of tickets sold included reservations, but after the change, 47% of tickets sold included reservations.
---------------------------------------------------
That's it If you want more I have a FREE NEWSLETTER where I share over 140+ more biases like these ones, but in more extended versions

I recently purchased a 1972 vehicle as a project for $225. The car was previously titled in CT and I am a CT resident. The car is every bit a $200 car (body/floors rusted out, barely running). I want to register (or re-title) the car in my name before I begin the project. But the DMV wants to charge me sales tax on the NADA value (over $10,000). I am told my only option is to pay the tax on the NADA value, then appeal the amount. That would be several times the purchase price of the vehicle and I would prefer not to put that much skin in the game before even starting the project.
Does anyone know of a way to avoid over-paying the sales tax like this, and then hope the govt will refund some of it?

So my wife's brother... I've never liked him. I keep my mouth shut about it, but I've always found him to be arrogant in the extreme. Anytime there's a gathering of my wife's family, he talks over everyone, every conversation has to be about him. And he tells these insanely long stories that have no point, it's more just to keep the attention on him. He lives with his girlfriend, who doesn't work and hasn't ever had a job. Now, against my better judgement, in the last two years (my wife wanted to.) we have 'loaned' him over 3 grand. He's a car salesman, and blows through any money he makes selling cars like it's water. Never saves... nothing. So when sales drop, he has no money for anything... rent, food, gas, you name it.
Well... I often look at court records in my area. Public records. Mostly so I can make sure my daughter (a whole nother story) didn't get yet another speeding ticket and try to hide it from us. (she's 17, did that once, and she's on our insurance.) I was on there the day after my wife's birthday at the end of March. The whole time her brother had been again... talking over everyone, and making himself the center of attention. He didn't give her a present, and tried to swipe a gift card she'd gotten from her parents. So he was down on my list (as usual.)
Anyway... I put his name in.. and... there it was. Chase Bank is looking for him to sue him for a credit card. It was a 7k debt. Looking to take him to small claims court. Not astronomical, but for him, probably a lot. But... they had attempted to serve him at his old apartment it looked like, and he'd moved (again) because he couldn't afford that place. I was pissed at him still for how he'd acted the day before and... I looked up and found the server who had been assigned (it's all in the court docket) and using a new email address I made up, sent them his current address.
Well.... it worked, and he's being taken to court. My wife wants to give him 50% of the money, and have her parents give him the other 50%. I'm totally against it, but I can't help but feel like I'm the asshole because I let them know where to find him.

Financial Overview
Novavax has made substantial progress in reducing its liabilities, with a reduction of $1.7 billion since December 31, 2022. In the first quarter of 2024 alone, liabilities decreased by $831 million, largely due to settlements with Gavi and Fuji. The company updated its 2024 revenue expectations to a range of $400 million to $600 million, including $150 million to $250 million from APA sales and $250 million to $350 million from non-APA revenues. The latter is anticipated from commercial product sales, royalties, and partner-related activities.
Sanofi Agreement
A significant new partnership with Sanofi was announced, bringing an initial payment of $570 million in the second quarter of 2024. This agreement has the potential to generate multibillion-dollar returns through upfront equity investments, milestones, and royalties.
Commercial and Operational Highlights
Updates were provided on dose delivery schedules and volumes with major customers, including Canada, Australia, New Zealand, and Israel. Novavax aims to optimize contract values and adjust delivery schedules to better align with current demands.
Clinical and Product Development
Novavax is actively exploring innovative vaccine technologies and delivery methods, such as needle-free vaccinations and a new class of nanoparticles designed to enhance antigen recognition and immune response.
Strategic and Future Plans
To achieve cost efficiency, Novavax is implementing programs to reduce R&D and SG&A expenses below $500 million for 2025, net of Sanofi cost reimbursements. An updated vaccine product for the 2024-2025 fall season is in development. The company plans to refine its strategic focus and pipeline, with more detailed updates expected by year-end.
Market and Pipeline Expansion
Novavax is exploring opportunities for standalone flu products and combinations with existing vaccines, aiming to differentiate its COVID-Flu program from that of Sanofi.
Source: https://earnings-summary.streamlit.app/?c=reddit&t=NVAX
Given the strategic realignments and new partnerships, how do you perceive Novavax’s market positioning in the competitive landscape of vaccine development over the next few years?

SEO stands for Search Engine Optimization. It's the process of optimizing your website and its content to rank higher in search engine results pages (SERPs) organically, without paying for placement. The goal of SEO is to increase visibility and attract more organic (non-paid) traffic to your website from search engines like Google, Bing, and Yahoo.
SEO involves various strategies and techniques, including:

1. Keyword Research: Identifying the words and phrases (keywords) that people are using to search for information related to your business or content.
2. On-Page Optimization: Optimizing elements on your website such as title tags, meta descriptions, headings, and content to make them more relevant to the targeted keywords.
3. Off-Page Optimization: Building backlinks from other websites to improve your site's authority and credibility in the eyes of search engines.
4. Technical SEO: Improving the technical aspects of your website, such as site speed, mobile-friendliness, crawlability, and site architecture, to make it easier for search engines to crawl and index your content.
5. Content Creation: Creating high-quality, relevant, and engaging content that satisfies the search intent of users and provides value to your target audience.
6. User Experience Optimization: Ensuring that your website provides a seamless and positive user experience, including easy navigation, clear calls-to-action, and fast loading times.
7. Local SEO (if applicable): Optimizing your website to appear in local search results, is especially important for businesses with physical locations targeting local customers.

By implementing effective SEO strategies, you can improve your website's visibility, attract more qualified traffic, and ultimately, achieve your business goals, whether they are increased sales, leads, or brand awareness.

I have a family member struggling to find a job after a recent misdemeanor. They were not found guilty but it is still visible with a background check. They have had lots of promising interviews but no callbacks. Bachelors degree and history in sales but willing to do basically anything at this point. They are local to Asheville with a car and valid drivers license.
Thanks for any leads at all!!

My girlfriend was accepted into Brooklyn College and wants to move here this fall.
We haven’t fully committed yet, but putting the plans together to see if it’s feasible for us. I feel there would be lots of opportunities here for me, too.
She did not get a TA position and isn’t able to work because of her Visa, so I will have to get a full time job and possibly a part time one, which I am not worried about. She is getting help from her family with school, so that’s covered.
Currently, I am trying to figure out how much we can get by with month to month. Is it unreasonable to find a place for both of us to live for $1000 a month or less? We don’t need anything huge.
I don’t have a college degree but have ran my own IT business for seven years and have customer service experience.
We will be living together and are thrifty when it comes to food. Our car also gets great MPGs.
We don’t eat out ever.
How much should we plan for on a month to month? What about year?
Any advice would be appreciated 🙏
Edit: I meant to put Brooklyn College, not university